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<strong>Program review</strong> – A comprehensive review of a lender, school, or servicer participating in the FFEL Programs. The review may be conducted by the U.S. Department of Education or by a guarantor to ensure compliance with federal regulations and with policies and procedures.
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<strong>Partial cancellation</strong> – Pre-disbursement cancellation of a portion of a loan or disbursement rather than a full cancellation of an entire loan. May also be referred to as a disbursement amount change and is defined within CommonLine file specifications' @1-09 record. (Note: the post-disbursement version of this transaction is defined within the @1-10 record.)
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contingent market (D4, Gl)<br />A market, particularly an insurance market, which transfers risk from those facing it to those who are prepared to undertake it. An example of this is when a ship owner faced with the risk of the loss of a ship can transfer the risk to LLOYD'S insurers. If the insurance market is in equilibrium, the insurance premium should settle at the rate which equates the marginal cost of insurance to the marginal benefit of losing an undesired risk.
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standard deviation (C1)<br />A measure of the dispersion of values of a variable about its ARITHMETIC MEAN that is calculated as the square root of the sum of the differences between each of those values and the arithmetic mean divided by the number of values minus one.<br /><em>See also:</em> mean deviation; variance
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Y= C+I + (X -M)
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<strong>ED</strong> – U.S. Department of Education, which may also be referred to as DE or simply the Department.
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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.

<strong>P</strong> – Type of Dear Colleague Letter providing information about Pell Grants.

Bureau of Economic Analysis (H1)<br />The branch of the US Department of Commerce responsible for assembling and publishing US national income accounts.<br /><em>See also:</em> National Income and Product Accounts
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ECONOMY that causes self-interested economic agents through exchange to promote the general good of society. The idea originated in the discussion of natural law by the English philosopher John LOCKE but is usually associated with Adam SMITH who, in his Theory of Moral Sentiments and less so in his Wealth of Nations, developed this PHYS!OCRATIC notion. Smith's use of the principle was less sensational than MANDEVILLE's that described how private vices promote public virtue. Ahmad has identified four functions of the 'invisible hand': to limit the size of the landlord's stomach, to curb the residual selfishness of a landlord, to optimize production and to preserve the natural order.<br /><em>Reference</em><br />Ahmad, S. (1990) 'Adam Smith's four invisible hands', History of Political Economy 22: 137-43.

normative economics (A1)<br />Economics based on value judgments stating what should be the case, e.g 'personal incomes should be equal'. The distinction between this type of economics and POSITIVE ECONOMICS includes in its ancestry HUME's 'is-ought' dichotomy. Normative issues, cen tral to WELFARE ECONOMICS, cannot be settled by appeals to facts.<br /><em>See also:</em> economic methodology <br /><em>Reference</em><br />My rdal, G. (1954) The Political Element in the Development of Economic Thought, trans. P Strecten, London: Routledge & Kegan Paul.

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